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Credit Card Reviews » Orchard Bank Classic MasterCard® |
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In-Depth Credit Card Review: |
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The Orchard Bank Silver MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying.
The interest rate is average for this type of card. There is an annual fee of $49, which is about average for this type of credit card. There is also an application fee of $49. In total, the cardholder can expect to pay $98 in the first year. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months.
This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who may occasionally carry a balance and do not mind paying the additional fees will benefit most from what the Orchard Bank Silver MasterCard® has to offer.
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| (Review Updated: December 28, 2007) |
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0% Intro APR on Purchases for 6 Months
7.9% Regular Variable APR for Purchases
21.9% Regular Variable APR for Cash Advances |
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$0 - $79 Annual Fee
25 days Grace Period / Bad Credit OK |
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| (* 0% APR for 6 months on purchases) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $30 on balances up to $1,000; $35 on balances over $1,000 |
| Over-The-Limit Fee: $30 |
| Cash Advance Fee: Greater of 5% or $5 |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: see terms |
| Maximum Credit Limit: see terms |
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| Type of Reward: None |
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| Additional Features for Orchard Bank Classic MasterCard®: |
Various Internet account related services.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
Choice of payment due dates.
See website for additional benefits. |
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| Important Notes for Orchard Bank Classic MasterCard®: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Orchard Bank Classic MasterCard® was updated on December 28, 2007. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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